Page 12 - Ches User's Guide 2018 v1.5 1-18-18

Medical Plan Options (continued)

Decisions! Decisions!

So which plan is right for
you? Which plan meets

your current needs? What
health services will you
and your family need over
the next year or two?

There is simply no single

right answer, and each
personal and family
situation will ultimately
determine which plan is

best for you. Both plans
are very comprehensive,
and since they take
advantage of the exceptional BCBSTX Long-term planning — do you want an

network of providers, you are assured account that allows you to maintain
of receiving the highest quality care a balance and carry it forward into
whenever you need it. the next plan year, allowing you to

Items you might consider when making build a financial reserve to cover your
your decision: deductible and out-of-pocket maximum,
while at the same time saving for
Cost — including annual premiums, healthcare costs in retirement?
deductibles, copays and out-of-pocket

maximums. Investment growth — do you want a
plan that gives the ability to invest a
Simplicity — ease of getting care and portion of your balance to help your
paying your portion of the cost; debit account grow for later years?
cards or reimbursements from the plan.
Flexibility — if you should leave the
company, will you be able to take the
plan and any unused funds in your
account with you?

10 2018 ToTAl ReWARdS GUIde